Freedom touring caravan insurance Policy wording

Welcome

Thank you for buying freedom touring caravan insurance with Lifesure. We’re a broker with over 40 years’ experience in insurance, working with partners that we know share the same values as us. It’s because of this that you can be sure of the very best service from beginning to end. You’re in safe hands with us.

This policy document, along with your policy schedule form your agreement with us. They also explain everything you need to know about the insurance you have, including what is and isn’t covered. If anything’s not clear to you, please call us and we’ll be happy to talk you through it.

Your agreement is based on the information that you provided when you applied for the policy and is reflected in the statement of insurance facts document that we’ve sent to you. It’s important that this information is correct, so please take a moment to check through it. Do let us know if anything needs to change as soon as possible, as any inaccuracies or misrepresentation could lead to your insurer rejecting a claim or even voiding your policy. If you’re happy, please keep all documents together, somewhere safe.

If there are any changes to your circumstances, please let us know as soon as possible. Your cover could be affected if you need to make a claim for something that we weren’t aware of. You can see a list of the kind of things we need to hear about on page 9.

Hopefully, you’ll never need to but if you do need to claim, you can contact our partners using the details on page 17. Although we don’t handle the claim ourselves, do contact us if you’re unsure of the process or you need help at any point.

Thanks again for choosing Lifesure.

Kind regards

Paul ReidManaging Director, Lifesure

Contents

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Welcome 2

Contents 3

About your policy 4

About your insurer 5

Making sense of your policy: definitions 6

Changes to your information 9

Your cover 10

Section 1 - Material damage 10

Section 2 - Public liability 16

How to make a claim 17

General exclusions 19

General conditions 21

How to cancel your policy 23

How to make a complaint 24

Data protection notice 25

About your policy

Introduction This policy, the Schedule, any statement of fact or proposal along with any endorsements, sets out the terms of the contract between You and Us. Please carefully read the policy document, Schedule and any endorsements to ensure that the cover provided is correct and meets Your insurance requirements. If any of the information is incorrect or should You wish to make any changes to the cover provided, please contact Lifesure as soon as reasonably practicable. The Schedule sets out the Sum(s) Insured (the amount of cover You have) for the applicable sections of the policy.

If Your insurance requirements change during the Period of Insurance please contact Lifesure as soon as possible. You must notify Lifesure as soon as reasonably practicable of any changes in Your circumstances which may affect this insurance, (this includes any changes in storage and security arrangements). If You do not, Your policy may not be valid.

The terms of Your insurance contract are based on the information that You have provided to Lifesure. You are under a legal duty to ensure that You have not made a Misrepresentation. Depending on the type of Misrepresentation made, this could result in Your insurance contract being rendered void, resulting in You no longer having any cover under this policy, or could result in cover being amended, or proportionately reducing the amount of Your claim We pay to take account of any increased premium that We would have charged.

Your policy is designed to be amended easily and We will issue a new Schedule or endorsement each time the policy is altered.

You must also tell Lifesure if at any time the Sum(s) Insured shown in the schedule is insufficient. Following a claim We can carry out the necessary repairs, or replace the item.

Before You accept Our policy, You have 14 (fourteen) days to review Your policy wording and consider its full terms. If You are not totally happy with the policy and have not made a claim, simply write to Lifesure requesting that Your insurance is cancelled and that any monies paid be returned. We will then cancel Your insurance.

Your attention is drawn to the policy conditions. These are the conditions that You need to meet as Your part of this contract. If You do not meet these conditions, We may need to reject a claim payment or a claim payment could be reduced. In some circumstances Your policy may not be valid.

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About your insurer

Underwriters and Lifesure Group Limitedagreement

Lifesure Group Limited

In return for Your premium We will insure You during the Period of Insurance, under the terms set out in this policy document, the Schedule and any endorsement We have issued.

This insurance is underwritten by Argenta Syndicate 2121 at Lloyd’s.

This policy is issued on Our behalf by Lifesure Group Limited in accordance with the authorisation granted to it under the Binding Authority Agreement number shown in Your Schedule.

Argenta Syndicate Management Limited (registered number 204974) (ASML) is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Their registered office is 5th Floor, 70 Gracechurch Street, London, EC3V 0XL.

Lifesure Group Limited are authorised and regulated by the Financial Conduct Authority No. 305038. Lifesure Group Limited is registered in England No. 00977416. Their registered office is 3 Fenice Court, Eaton Socon, St Neots, Cambs, PE19 8EW.

Lifesure Group Limited was formed in 1971 and one of the principles uponwhich the company has been built has been to offer a consistently high levelof customer care. If you wish to learn more about the Lifesure Group, pleasevisit our website at lifesure.co.uk.

Authorised Signature

Paul ReidManaging DirectorLifesure Group Limited

Making sense of your policy: definitions

Certain words in this policy wording have special meanings. These meanings are given below: To help You identify these words in the policy, We have capitalised and printed them in bold type throughout.

Accident A sudden, unexpected, unforeseen and identifiable incident.

Act of Terrorism The use of biological, chemical, radiological and/or nuclear pollution or contamination and/or threat thereof by any person or group of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.

Authorised User Any friends who are aged over 27 and using the Caravan with Your permission.

Caravan(s) The structure of the touring Caravan described in the Schedule together with awnings, refrigerators, gas bottles, water containers, steps, batteries, stabilisers, wheel clamp/locks, motor movers and standard manufacturer’s fixtures and fittings.

CaSSOA The Caravan Storage Site Owners’ Association.

Contents Articles of personal use or adornment, clothing, luggage and general household goods, including portable electronic equipment and personal effects whilst contained within the Caravan and belonging to You or Your Immediate Family.

Excess The first part of any claim which You must pay. The amount of the Excess is stated in this policy and in Your Schedule.

Hazardous Activities Ballooning, bungee jumping, caving or potholing, diving (where breathing equipment is needed or used), hang-gliding, hunting, horse riding (other than hacking), motorcycling, any motor sport, mountaineering or rock climbing, any type of parachuting, quad biking, racing of any kind (other than athletics or swimming), winter sports (other than skiing and snowboarding).

Home Within the boundaries of Your Permanent Residence or Your Immediate Family’s or any Authorised Users’ Permanent Residence but excluding communal parking areas and any public road or highway.

Immediate Family Spouse, common law or civil partner, mother, step-mother, father, step-father, son, step-son, daughter, step-daughter, brother, step-brother, sister, step-sister, grandmother and grandfather, aunts and uncles.

In Use When You, Your Immediate Family or any Authorised User are using or visiting Your Caravan for holiday purposes or when the Caravan is attached to a towing vehicle. This includes a 24 (twenty four) hour period immediately prior to, and after returning from, You, Your Immediate Family or any Authorised User using or visiting Your Caravan for holiday purposes provided the Caravan is kept at Your Home during this 24 (twenty four) hour period.

Injury Any bodily injury including death, illness and disease, which is caused solely by Accidental means and is independent of any other cause.

Lifesure Lifesure Group Limited who act as the issuing insurance intermediary on Our behalf.

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Making sense of your policy cont’d

Loss of Limb Permanent total and irrecoverable loss of use by physical separation or otherwise of one or both hands at or above the wrist and/or one or both feet at or above the ankle.

Loss of Sight Permanent total and irrecoverable loss of sight.

Medical Practitioner A suitably qualified doctor or specialist registered by the General Medical Council in the United Kingdom other than You or a member of Your Immediate Family.

Misrepresentation You will be deemed to have made a misrepresentation if You deliberately, recklessly or carelessly answer Our specific questions incorrectly.

Money Cash, bank or currency notes, cheques, money and postal orders, postage stamps, savings stamps and savings certificates, premium bonds, luncheon vouchers, travellers cheques, phone cards, season tickets, gift tokens or vouchers, documents, promotion vouchers and air-miles vouchers.

Period of Insurance The period of time covered by the policy as shown in the Schedule.

Permanent Residence Occupancy as a main domestic residence whether temporary or permanent other than for holiday purposes.

Permanent Total Disablement a) where You or Your Immediate Family is in an occupation and is below the age of 70 (seventy) and above 16 (sixteen) years of age permanent total disablement means total and absolute disablement caused other than by Loss of Limb or Loss of Sight which will entirely prevent You or Your Immediate Family from engaging in their usual occupation for the remainder of their life;

b) Where You or Your Immediate Family is not in an occupation or is above the age of 70 (seventy) or below 16 (sixteen) years of age permanent total disablement means total and absolute disablement caused other than by Loss of Limb or Loss of Sight which will entirely prevent You or Your Immediate Family from engaging in any and every occupation for the remainder of their life.

Pre-existing Condition A physical disability, or ongoing or recurring medical condition You suffer from the symptoms of which first appeared or You knew about before the Period of Insurance.

Schedule The document We give You which makes the policy valid and shows Your name, details of Your address, the Caravan insured, the Sum(s) Insured, the Caravan Storage Address and the policy number.

Storage Address The location where the Caravan will be kept, details of which You have given Lifesure and which We have accepted and is shown in Your Schedule.

Sum(s) Insured The amount declared by You under the sum insured section of the Schedule, and the maximum We will pay in the event of a total loss claim.

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Making sense of your policy cont’d

Unattended When the Caravan is In Use and You have temporarily moved away from the Caravan for a period of 2 (two) hours or more.

Unit The touring Caravan described in the Schedule.

Valuables Any article made from precious metals, china, glass, porcelain, jewellery, fur, watches, video or photographic equipment, computers (including laptops and tablet computers), binoculars, telescopes, phones, pictures, works of art, antiques, stamp, medal and coin collections, sports equipment and portable audio equipment.

We, Us, Our, Insurer Argenta Syndicate 2121 at Lloyd’s.

You, Your, Insured The person(s) named in the Schedule.

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Changes to your information

You must take reasonable care to:

a) Supply accurate and complete answers to all the questions Lifesure Group Limited may ask as part of your application for cover under the policy;

b) To make sure that all information supplied as part of your application for cover is true and correct;

c) Tell Lifesure Group Limited of any changes to the answers you have given as soon as possible.

You must take reasonable care to provide information that is accurate and complete answers to the questions we ask when you take out, make changes to and renew your policy. If any information you provide is not accurate and complete, this may mean your policy is invalid and that it does not operate in the event of a claim or we may not pay any claim in full.

If you become aware that information you have given Lifesure Group Limited is inaccurate or has changed, you must inform them as soon as possible.

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Your cover

The CaravanWe will pay at Our option, the cost of repair or replacement of the Caravan or any part of it provided that Our liability shall not exceed:

i. the Sum Insured stated in the Schedule; or

ii. the value of such property as new.

New for OldIf You have selected New for Old cover in Your Schedule and the Caravan is damaged beyond economic repair provided that:

a) the Caravan concerned is 10 (ten) years old or less from the year of manufacture at the start of any Period of Insurance;

and

b) the Sum Insured represents no less than 90% of the full new replacement cost of the Caravan.

We will pay the cost of replacing the Caravan with a brand new equivalent. If the provisos in a) or b) above are not satisfied the basis of settlement will revert to Market Value below.

Section 1 – Material damage

Settling Claims

What’s covered

We will pay for loss or damage to:

• the Caravan specified on Your policy Schedule

• Contents other than Valuables

which is caused by:

1. fire, explosion, lightning or earthquake;

2. storm or flood;

3. accidental damage;

4. impact;

5. malicious acts, Riot and Civil Commotion or vandalism;

6. theft or attempted theft.

Occurring anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Your cover cont’d

Personal Accident coverWe will cover You whilst Your Caravan is In Use if an Accident occurs which within 12 (twelve) months results in Your Injury. We will pay a benefit amount appropriate to the Sum(s) Insured described in the Table of Benefits below:

The total benefit payable shall not exceed 100% of the Sum(s) Insured as the result of any one Injury.

The Sum(s) Insured showing above will be reduced to £500 for any person under the age of 16.

Table of Benefits

Extensions

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ContentsWe will pay at Our option, the value of the Contents at the time of the damage or the cost of repair of the Contents provided that Our liability shall not exceed:

i. the Sum Insured stated in the Schedule;

ii. more than £250 in respect of any single item;

iii. the value of such property at the time of the damage.

We will make no deduction for wear and tear in settling claims for Contents.

What’s covered

Market ValueWe will pay the cost of replacing the Caravan with one of a similar type having made a deduction for age, wear, tear and depreciation.

The market value of the Caravan will be determined using Glass’ Guide Information Services or a similar recognised source.

What’s not covered

We will not be liable for that part of any repair or replacement which improves the Caravan beyond the condition before the damage occurred.

Benefit Number Benefit Description Sum(s) insured

1 Death £20,000

2 Loss of sight £20,000

3 Loss of limb £20,000

4 Permanent total disablementfrom any occupation

£20,000

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Your cover cont’d

We will not be liable for any Injury, loss or expense, directly or indirectly caused by or contributed to by:

a) Permanent Total Disablement from any occupation until such incapacity has lasted 52 (fifty two) weeks;

b) death, Loss of Sight, Loss of Limb or Permanent Total Disablement occurring more than 12 (twelve) months after the Injury has been sustained;

c) any person aged over the age of 70 (seventy) years old at the time of such Accident;

d) any Accident occurring outside of the European Union, Albania, Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Macedonia, Moldova, Monaco, Montenegro, Norway, San Marino, Serbia and Switzerland in the Period of Insurance;

e) any Accident caused by or involving the use of any narcotic or drug unless prescribed by a registered Medical Practitioner;

f) any Accident caused by or involving the use of intoxicating liquor;

g) You or any member of Your Immediate Family participating in any Hazardous Activities;

h) You or any member of Your Immediate Family participating in a criminal act;

i) any Accident involving the use of power driven wood or metal working machinery except portable tools applied by hand;

What’s covered

General Conditions Applicable to Benefits 1-4You must get and act on the advice from a Medical Practitioner and have any medical examination that We ask and pay for. You must give Us any documents, information and evidence We need. If You die We will be entitled to ask for, at Our expense, a post-mortem examination. If You die We will deal with Your personal representative.

You shall in a timely fashion provide assistance and co-operate with Us or Our representatives in obtaining any other records deemed necessary to evaluate the incident or claim. In no event are We liable to pay any claim unless You co-operate with Us and/or Our representatives in the investigation of the claim.

We will not pay for more than one of the Benefits 1-4.

What’s not covered

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Your cover cont’d

j) pregnancy or childbirth;

k) sickness or disease or any sexually transmitted diseases, including HIV or any related condition, not resulting from bodily injury;

l) self-inflicted Injury;

m) any Pre-existing Condition;

n) Your engagement in active service in any of the Armed Forces of any nation;

o) Your participation in, practicing, or training for a sport as a professional;

p) Your engagement in flying except as a passenger in an aircraft licensed to carry passengers;

q) Your deliberate or reckless exposure to danger;

r) any Accident occuring whilst You are travelling in any motor vehicle.

What’s not covered

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What’s not covered

1. the Excess(s) stated in Your Schedule;

2. any loss of or damage to Valuables or Money;

3. loss or damage arising while the Caravan is being used for business purposes;

4. loss or damage arising while the Caravan is let for hire or reward or loaned to any person other than any Authorised User or Immediate Family;

5. loss or damage caused by vermin, insects or fungus;

6. loss or damage caused by wear and tear, depreciation, rot, the effect of light, atmospheric or climatic conditions or other damage that happens gradually over a period of time including water damage as a result of water leaking in through windows, doors, ventilators, body joints or seals;

7. loss or damage by electrical or mechanical breakdown;

8. loss or damage resulting from road traffic accidents if Your Caravan is not roadworthy;

9. damage caused by any process of repairing, restoring, renovating, cleaning or dying;

10. damage to tyres caused by braking, punctures, cuts or bursts;

11. loss or damage caused deliberately, by You or any person having use of the Caravan;

12. loss or damage caused by chewing, scratching, tearing or fouling by domestic pets;

13. loss or damage by theft or attempted theft to:

a. Contents from the Unit unless forcible or violent means are used to gain entry;

b. refrigerators, gas bottles, water containers, steps, batteries, stabilisers, wheel clamps/locks, motor movers and standard manufacturers fixtures unless the Caravan is In Use or kept at Your Home or at a Storage Address You have told Us about and We have accepted;

c. furniture contained in Your awning in excess of £200 in respect of each and every loss.

Your cover cont’d

Emergency RemovalIf the Caravan is damaged by a cause insured under this section, We will also pay the cost of:

i. its protection and removal to the nearest repairers;

ii. its delivery after repair to Your Home;

iii. any Customs Duty You have to pay on the Caravan as a result of it being temporarily imported into any country in the European Union, Albania, Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Macedonia, Moldova, Monaco, Montenegro, Norway, San Marino, Serbia and Switzerland.

Up to a maximum of £2,000 in any one Period of Insurance.

Loss of UseIf the Caravan is damaged by a cause insured under this section, We will also pay the extra cost of alternative accommodation or hire costs for an alternative caravan incurred while Your Caravan is being repaired, up to a maximum of £75 per day and £2,000 in total.

Furniture in AwningWhen the Caravan is In Use and Contents are insured cover is extended to include any furniture whilst kept in an awning up to a maximum of £200.

Use in EuropeCover is extended for a period of no more than 180 (one hundred and eighty) days in any one Period of Insurance to include use of Your Caravan whilst in the European Union, Albania, Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Macedonia, Moldova, Monaco, Montenegro, Norway, San Marino, Serbia and Switzerland including whilst in transit to or from ports in the countries listed above.

Emergency RepairsCover is extended to include the cost of any emergency repairs necessary to remove the Caravan to a place of safety following an Accident up to £300.

What’s covered

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What’s not covered cont’d

14. loss or damage resulting from deception unless deception is used only to gain access or entry to the Caravan;

15. any loss or damage arising out of the liquidation, insolvency or bankruptcy of a caravan dealer or agent;

16. damage to the awning when erected and attached to the Caravan when the Caravan has not been In Use for a period of 8 (eight) days or more.

Your cover cont’d

Your cover cont’d

The maximum amount We will pay is £2,000,000 for any one claim or number of claims arising out of any one incident.

Settling Claims

Costs and Expenses We will also insure all legal costs and expenses You have to pay provided they are incurred with Our written consent as well as within the limit of liability for this section.

Authorised User We will also cover Your Immediate Family or any Authorised User for legal liability as owner or occupier of the Caravan to compensate others if, following an Accident during the Period of Insurance, someone suffers an Injury or has their property damaged in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

We will provide cover under this section for any person using the Caravan with Your permission provided they are not covered under any other policy. However You and they must keep to the terms, conditions and exclusions of this section.

Personal Representatives If You die, We will cover Your personal representatives for any liability incurred by You and insured by this policy.

Use in Europe Cover is extended for a period of no more than 180 (one hundred and eighty) days in any one Period of Insurance to include use of Your Caravan whilst in the European Union, Albania, Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Macedonia, Moldova, Monaco, Montenegro, Norway, San Marino, Serbia and Switzerland including whilst in transit to or from ports in the countries listed above.

Extensions

Section 2 - Public liability

What is covered We will cover You for Your legal liability as owner or occupier of the Caravan to compensate others if, following an Accident during the Period of Insurance, someone suffers an Injury or has their property damaged in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

What’s not covered

We will not insure You against any liability:

1. arising while the Caravan is attached to a mechanically propelled vehicle;

2. resulting from an Accident caused by the Caravan or part of it becoming detached from any towing vehicle;

3. that arises in connection with any vehicle being used for the transportation of the Caravan;

4. for Injury of any person arising out of or in the course of their employment by You;

5. arising out of the use of any aircraft, water craft or mechanically propelled vehicle;

6. if such liability attaches by virtue of an agreement but which would not have attached in the absence of such agreement;

7. arising out of the pollution of air, water or soil unless it can be proved to have been caused by immediate discharge following an Accident;

8. of any nature arising out of or connected with or incidental to any profession, occupation, business or commercial venture;

9. arising out of the transmission of any communicable disease or condition by You or Your Immediate Family or any Authorised User;

10. arising out of the ownership or possession of any animal other than cats, dogs (but not any dog that is designated dangerous under the Dangerous Dogs Act 1991) or horses;

11. arising out of, damage to property which belongs to You or is in Your custody or control or the custody or control of Your Immediate Family or any Authorised User.

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How to make a claim

If You wish to make a claim please contact:

Argenta Claims Management at Woodgate and Clark, The Red House, West Malling, Kent, ME19 6QT Telephone: 01732 520272 Outside of office hours please ring: 01732 520270 Email: argenta@woodgate-clark.co.uk

When submitting a claim form You must provide Your policy number. When You become aware of an event which is likely to result in a claim under this policy:

You Must:a) provide in writing full details of the Injury, loss or damage as soon as possible and in any event within:

i) 7 (seven) days if caused by riot or civil commotion; or

ii) 30 (thirty) days if from any other cause.

b) tell the Police as soon as reasonably practicable if loss or damage has been caused by theft, attempted theft or malicious act or vandalism and help Us get back and identify the property;

c) as soon as reasonably practicable send Us every letter, claim, writ or summons without answering them;

d) supply all reports, certificates, plans, specifications, quantities information and help We ask for;

e) give Us all information and evidence, including written estimates and proof of ownership and value that We ask for;

f) take steps to recover any lost or stolen item.

You Must Not:a) leave any property for Us to deal with;

b) dispose of any damaged items until We have had the chance to inspect them;

c) repair any damaged items until We have had the chance to inspect them;

d) admit liability or promise to make a payment without Our express permission.

We May do The Following:a) keep the insured property and deal with the salvage accordingly;

b) negotiate, defend or settle (in Your name and on Your behalf) any claim made against You;

c) prosecute, (in Your name for Our own benefit), any other person in respect of any amount We have paid or must pay;

d) appoint a loss adjuster to deal with the claim;

e) arrange to repair the damage to the insured property.

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How to make a claim cont’d

You May do the Following:Carry out temporary emergency repairs to make good the Caravan following damage caused by any peril covered by the material damage section. This is limited to the following without prejudicing Your position:

a) necessary boarding up following damage to windows, doors, fan lights and skylights to make the Caravan secure.

Our acceptance of liability for any such temporary repair will always be subject to the terms and conditions of the policy.

Our Rights:a) We may take, or ask You to take, any action necessary to get back from anyone else, any costs We have to pay

under this policy. We may do this before or after We pay Your claim;

b) We may take over the defence or settlement of a claim against You by another person.

Contribution - Other InsurancesIf You have any other insurance policies which cover the same loss, damage or liability as this policy, We will pay only Our share of the claim.

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1. Use Other Than For Social, Domestic or Pleasure Purposes

2. Use as a Permanent Residence

3. War Exclusion

4. Terrorism Exclusion

5. Nuclear and Radioactive Contamination Exclusion

6. Contractual Liability Exclusion

This insurance does not cover any destruction of, or damage to any property or any loss or legal liability while the Caravan is In Use other than for social, domestic and pleasure purposes.

This insurance does not cover any destruction of, or damage to any property or any loss or legal liability while the Caravan is being used as a Permanent Residence.

a) This insurance does not cover damage or indemnity against any legal liability directly or indirectly occasioned by happening through or in consequence of war, invasion, act of foreign enemies, hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to popular rising, military rising, insurrection, rebellion, revolution, military or usurped power, martial law, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any Government or public or local authority.

b) This insurance also excludes damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (a) above.

This insurance does not cover loss or damage to any property, or any cost or expense of whatever nature arising directly or indirectly caused by resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss, or any action taken in controlling preventing, suppressing or in any way relating to any Act of Terrorism.

This insurance does not cover any loss or destruction of, or damage to any property or any loss or legal liability or any other loss of any nature involving, caused by, contributed to by, or arising from:

a) ionising radiation or contamination from nuclear fuel or waste or from the burning or explosion of nuclear fuel;

b) the radioactive, toxic, explosive or other dangerous properties of any nuclear installation, reactor, or other nuclear assembly or its component part;

c) any weapon or device using atomic or nuclear fission or fusion or radioactive force or matter;

d) the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which when suitably distributed is capable of causing incapacitating disablement or death amongst people or animal;

e) the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) mico-organisms and chemically synthesised toxins.

This insurance does not cover any liability which attaches only because of an agreement or contract which makes You liable.

General exclusions

The following Exclusions apply to all Sections of Your policy

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General exclusions cont’d

7. Deliberate Act Exclusion

8. Pressure Waves Exclusion

9. Exclusion Of Riot And Civil Commotion InNorthern Ireland

10. Electronic DataExclusion

11. Loss Outside Of ThePeriod Of Insurance

12. Indirect Loss

This insurance does not cover any damage to the Caravan, or Contents caused deliberately by, or involving connivance with, You, a member of Your Immediate Family, any occupant or user of such Caravan or Your employee or agent.

This insurance does not cover any damage to the Caravan, or Contents arising from pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.

This insurance does not cover any liability or damage which is caused by or results from riot, terrorism or civil commotion in Northern Ireland or the Republic of Ireland.

This insurance does not cover any loss or destruction of, or damage to any property or any loss or legal liability or any other loss of any nature caused by, contributed to, or arising from:

computer viruses, erasure or corruption of electronic data; or the failure of any equipment to correctly recognise the date or change the date.

For the purpose of this exclusion ‘computer virus’ means a corrupting instruction from

a) an unauthorised source that propagates itself via a computer system or network.

This insurance does not cover any loss or damage or liability arising from an event that happened before the start, or happens after the end, of the Period of Insurance.

This insurance does not cover loss or damage of any nature which is not directly associated with an event that is insured by this policy unless, and to the extent, specifically detailed within this policy.

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General conditions

1. Towing Vehicle Kerb Weight Condition

2. Hitch Lock and Wheel Clamp or Wheel Lock Condition

4. Discharge of Liability

5. Fraud

6. Jurisdiction and Disputes Clause

7. Other Insurance

3. Condition precedent

It is a condition precedent to Our liability that the weight of the Caravan must not exceed the kerb weight of the vehicle (the weight of the towing vehicle including a full tank of fuel and all standard equipment without passengers or cargo) towing it. In addition the combined weight of the Caravan and towing vehicle must not exceed any prevailing legal requirement or any driving licence restriction of the person driving the towing vehicle.

It is a condition precedent to Our liability that a hitch lock and either a wheel clamp or wheel lock of proprietary manufacture are fitted to the Caravan whenever it is not attended by You or a member of Your Immediate Family for a period exceeding 2 (two) hours.

This condition will not apply when the Caravan is stored at a Storage Address which is a member of CaSSOA.

The following Conditions apply to all Sections of Your policy:

We may at any time at Our absolute discretion pay You the amount of the Limit of Indemnity (after deduction of any sums already paid as damages) or any lesser amount for which any claim may be settled and on payment We will relinquish conduct and control of the claims except for recoverable expenses of litigation.

We will be under no further liability in connection with these claims except (but subject always to the Limit of Indemnity) for other costs and expenses incurred with Our written consent in respect of matters prior to the date of such payment.

If a claim is fraudulent in any respect or if fraudulent means are used by You or by anyone acting on behalf of You to obtain any benefit under this policy or if any loss or damage to the property insured or to property used by You is caused by the willful actor with the connivance of You, We will:

a) have no liability to pay any part of or the whole of the fraudulent claim;

b) be entitled to refuse all claims arising after the fraudulent action;

c) remain liable for legitimate claims before the fraudulent action;

d) terminate the Policy from the date of the fraudulent action whether or not the Policy had expired before the discovery of the fraud.

The laws of England and Wales shall be the law under which all disputes and/or conflicts under this insurance shall be governed and English courts shall have exclusive jurisdiction over any matter relating to this insurance.

If any claim is made under this insurance and there is another policy that covers the claim We will only pay Our share of the claim.

The due observance and fulfilment of the terms and conditions of this policy and of any endorsements hereto so far as they relate to anything to be done or complied with by You shall be a condition precedent to Our liability under this policy.

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General conditions cont’d

9. Sanctions

11. Subrogation

12. Obsolete Parts

13. Joint Insured

14. Contracts (Rights of Third Parties) Act 1999

10. Several Liability

We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover payment of such claim or provision of such benefit would expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

In the event of a claim under this policy You shall at Our request and expense take and permit to be taken all necessary steps for enforcing rights against any other party in Your name before or after any payment is made by Us and We will be entitled to prosecute in Your name and/or person claiming to be indemnified but for Our benefit any claim for damages or indemnity.

Where a claim results in the Caravan needing new parts or accessories which are found to be obsolete or unobtainable Our liability will be limited to the last known list price of the part or accessory required together with an appropriate fitting charge.

If there is more than one person named in the Schedule (known as a joint insured), the total amount We will pay following a claim will not exceed the amount We would be liable to pay to any one of You. Unless You have advised Us otherwise, We will pay each person named in the Schedule their respective share of such claim.

You and We are the only parties to this policy. Nothing in this policy is intended to give any person any right to enforce any term of this policy which that person would not have had but for the Contracts (Rights of Third Parties) Act 1999.

The subscribing insurers’ obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscription of any co-subscribing insurer who for any reason does not satisfy all or part of its obligations.

8. Reasonable Precautions

You shall take all reasonable precautions for the safety of the property insured and shall take all reasonable steps to prevent any occurrence which may give rise to a claim under this policy.

16. Inflation Protection

15. Under Insurance

If You have selected New for Old cover in Your Schedule to assist in counteracting the effects of inflation the Sum Insured in respect of Your Caravan will be increased by 4% at each renewal.

If We find that the Sum Insured declared to Us is too low to represent the amount it would cost to replace the items to be insured We will reduce the amount of any claim in proportion with the level of under insurance. To calculate the level of under insurance We will divide the Sum Insured by the current value of such property and multiply this figure by the amount of the agreed claim.

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How to cancel your policy

Cooling Off Period – fourteen (14) days

Cancelling outside of the Cooling off Period

Important Note

Cancellation by Us

If You decide that for any reason, this policy does not meet Your insurance needs then please return it to Lifesure within 14 (fourteen) days from the day of purchase or the day on which You receive Your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, Lifesure will then refund Your premium in full.

If You wish to cancel Your policy after 14 (fourteen) days You will be entitled to a pro-rata return of premium providing no claims have been made or are pending.

The Consumer Insurance (Disclosure and Representations) Act 2012 sets out situations where failure by a policyholder to provide complete and accurate information requested by an insurer allows the insurer to cancel the policy, sometimes back to its start date, and to keep any premiums paid.

We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 (fourteen) days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:

a) fraud;

b) non-payment of premium;

c) threatening and abusive behaviour;

d) non-compliance with policy terms and conditions.

Provided the premium has been paid in full, You will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.

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Our aim is to ensure that all aspects of Your insurance are dealt with promptly, efficiently and fairly. At all times We are committed to providing you with the highest standard of service.

If You wish to make a complaint, You can do so at any time by referring the matter to either Lifesure Group Limited or the Complaints team at Lloyd’s.

The address of Lifesure Group Limited is: The Complaints Department, Lifesure Group Ltd, 3 Fenice Court, Phoenix Park, Eaton Socon, St Neots, Cambridgeshire, PE19 8EW Email: complaints@lifesure.co.uk Telephone: 01480 402460

The address of the Complaints team at Lloyd’s is: Complaints, Lloyd’s, One Lime Street, London, EC3M 7HA Telephone: 020 7327 5693 Fax: 020 7327 5225 E-mail: complaints@lloyds.com Website: lloyds.com/complaints

Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint - How We Can Help” available at lloyds.com/complaints and are also available from the above address.

If You remain dissatisfied after Lloyd’s has considered Your complaint, You may have the right to refer Your complaint to the Financial Ombudsman Service (FOS).

The contact details for the FOS are: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4567 (calls to this number are free from “fixed lines” in the UK) or 0300 123 9123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK). Email complaint.info@financial-ombudsman.org.uk.

The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can find more information on the FOS at financial-ombudsman.org.uk.

If You have purchased Your policy online You can also make a complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is: http://ec.europa.eu/odr

How to make a complaint

Financial Services Compensation Scheme (FSCS)

As a result of Argenta Syndicate Management Limited’s regulatory status, the Financial Services Compensation Scheme (FSCS) may be available to satisfy Your claims if We are unable to meet Our obligations to You under this contract. The FSCS is the UK’s statutory fund of last resort for customers of financial services firms.

If You are entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of the contract and Your eligibility. Further information about the Scheme, including who is entitled to make a claim under it and the maximum levels of compensation, are available from:

Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London , EC3A 7QU.

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Data protection notice

Lifesure, the underwriters and other companies related to this insurance may use the personal and business details you have given us to provide you with a quotation; deal with your Policy; search credit reference and fraud agencies who may keep a record of the search; share with other insurance organisations to help offset risks, help administer your Policy and to handle claims and prevent fraud; support the development of our business by including your details in customer surveys and for market research and compliance business reviews which may be carried out by third parties acting on our behalf.

We may need to collect ‘special category’ data relating to insured persons, which under the EU General Data Protection Regulation (GDPR) and Data Protection Act 2018 (DPA 2018), includes information relating to health. In addition, we may also need to collect data about criminal convictions or offences. These types of information may be required for the purpose of evaluating the risk or administering claims which may occur. You must ensure that you have explicit written consent from the insured persons to such information being processed by us and that this fact is made known to the insured persons.

Personal data may be transferred to countries outside the EEA. They will at all times be held securely and handled with the utmost care in accordance with all principles of applicable data protection laws.

Under the GDPR and DPA 2018 individuals also have a number of rights relating to their personal information, which includes the right to access their personal data and supplementary information, which can be requested free of charge.

For full details of Lifesure’s privacy policy, please visit Lifesure.co.uk/privacy. To contact Lifesure’s Data Protection Officer, please email: dpo@lifesure.co.uk

For details of privacy policies and contact details for the relevant data protection officers for the underwriters of this policy, please refer to your schedule.

Credit Reference Agencies Your information may be linked to, and Your application assessed using, credit reference agency records relating to anyone with whom You have a joint account or similar financial association.

Fraud Prevention Agencies If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information We and other organisations may also access and use this information to prevent fraud and money laundering when for example:

• checking applications for and managing credit and other facilities and recovering debt;

• checking insurance proposals and claims;

• checking details of job applicants and Employees.

We and other organisations that may access and use information recorded by fraud prevention agencies may do so from other countries.

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Notes

9 TFr_0719v02Image credit: ewg3D

Lifesure Group Limited is a Company registered in England and Wales, registration number 977416. Our registered office is 3 Fenice Court, Phoenix Park, Eaton Socon, St Neots, Cambs, PE19 8EW. Lifesure Group Limited is authorised and regulated by the Financial Conduct Authority under register number 305038 for Insurance Mediation activities and as a Credit Broker, and does not charge any fees to customers in relation to Credit Broking activities.